# BAY AREA
Oregon, OH · NCUA charter 63375 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bay-area-63375

Who the members are: state charter, organized 1934. 7,400 members of 50,000 potential (14.8% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $108.6M |
| Members | 7,400 (36.8% YoY) |
| Full-time staff | 27 |
| Net worth | $12.3M |
| Net worth ratio | 11.3% (p45 of band) |
| ROA (annualized) | 0.58% (p42 of band) |
| Total delinquency | 0.92% (p70 of band) |
| Net charge-offs (annualized) | 0.21% (p35 of band) |
| Loans / shares | 54% (p21 of band) |
| Cash / assets | 25.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p40 of band) |
| Operating expense / assets | 4.27% (p71 of band) |
| Vehicles % of loans | 45% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 94% (p68 of band) |
| Vehicle delinquency | 0.55% (p50 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 23% |
| Average share balance | $6,445 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $11,069 |
| Loans granted, annualized | $13.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | net worth falling | delinquency 2x band |
| 2017-06 | 2 | delinquency 2x band | net worth falling |
| 2017-09 | 1 |  | delinquency 2x band |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency 2x band |  |
| 2018-06 | 1 |  | delinquency 2x band |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, delinquency 2x band |  |
| 2020-09 | 1 |  | net worth falling, delinquency 2x band |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | delinquency 2x band |  |
| 2021-12 | 1 |  | delinquency 2x band |
| 2022-03 | 2 | delinquency 2x band, delinquency rising | 3rd-party paper>100% NW |
| 2022-06 | 4 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-09 | 1 |  | delinquency 2x band, delinquency rising, net worth falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 1 |  | 3rd-party paper>100% NW |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 2 | net worth falling, delinquency rising |  |
| 2025-09 | 0 |  | net worth falling, delinquency rising |
| 2025-12 | 1 | 3rd-party paper>100% NW |  |
| 2026-03 | 2 | net worth falling, delinquency rising | 3rd-party paper>100% NW |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-24 [NBC Bay Area and Telemundo 48 Área de la Bahía HonoredWith Six Northern California Emmy® Awards - NBC Bay Area](https://news.google.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?oc=5) · NBC Bay Area
- 2026-08-14 [$450K Stanford Federal Credit Union NSF fee class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQWFJvREFCbklsT0cyQm1MRFFEMGdacHhyVlFBVEhTN2VuWUJrTmRfa1BNSFBtUkw2VE1qOVBJY2FZaXQ4dUk0dnlPLW5FM3NXLVkxbGtXS04yTEp1NS1sdFc4dVFWc2lKUE1LSVp6ZWZLSVJPM0FPVUtiYS0tR0lPZGhkUGd3eEFFSDBZdkpzNXdZT0FBY0ppYUhrdldzaVlzVDJGR3BHenVocGQxXzhvZnk5UC1OaWt6VUFEQVM3NVVHZ3ZNdi1PSTNuOS1BZTlsVFdBdUQ4Yw?oc=5) · Top Class Actions
- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 2026-03-20 [In the 1970s, Bay Area Lesbians Created Their Own Economy - KQED](https://news.google.com/rss/articles/CBMiugFBVV95cUxNbTZRN2RmV2E1NzEzQ1U5by1yR2lGQ1k2WEtCdFV5ekcyWW1nTElhLWF5RjA3V1FVbzgxY0JnQTk2cVdnTk9OZ1MxSWVoZ2p0TVhMX1M2ODgwaXVsQlF5QU9faEJDQXlWWWlJdDBEVkhtWmJSX2hMaS1DcTBjYTVsODkzallaM1FEXy1Wd3BpelNrVjN1Vy01YUtlNWJ0OEpFRlZnUTlfY0U0YVNxRHg3UG1yNlk2ejhXN1E?oc=5) · KQED
- 2024-07-02 [Patelco Credit Union: Bay Area-based bank hit by ransomware attack, unable to conduct some transactions, spokesperson says - ABC7 Bay Area](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQThmTS1ZemVlZjdONTdIMHNLTmRLMTZGeXY3TU5pZHJnRVhZQ0EwRGxvNlRmOEh2TmNpdm5Ca2lfLVNERzRLQTl2XzdNanpHY0dGUDFKRi1HeXEtUU1xU0NXZEoyRVN0dUN0OFl2V3lnWTN6clZoVmVVOExHUUZmdEtoUnQyT2tVOTVmMGtXTkV6QdIBlwFBVV95cUxPcXo5Rjliam93WWZGSDFqcFBZSUJxdTZkdEpMNHVSVTJYQzcxNVBfenpMLWQtV2MtejU4WUpGRDltUjZvZ2hLNWpmbzBHenNXaXFZTG9iT2hpUmJGOGhram5ibWx5VE83OHhfYWsyUWdSazJTTm9TM0FncmVzQmZzV0VGNW1DWDAzbzRpM0ZyLXdBUHh0dWVN?oc=5) · ABC7 Bay Area
- 2026-06-04 [Foreclosure filings climb across Bay Area counties amid affordability pressures - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQR25XQ3JQVmljTHNSa2xCV3VFWExxTVJ0SThzU1l5VXYwVUVaV19IZ0hOcVpxZURVeVRPMXVNSkRFRGtRejN2amgzUEdac0UwSTlXMDluTk9nNHNZTWJmbUx4S1VULUZWdmNXY0NJYlJSTGxDTEJIQzVkYUFDZkpRa1JRT2lnS1pfclVhXzBILTJLLTNYQ0JDZHVjSHdUMXdCVkE?oc=5) · The Business Journals
- 2025-11-18 [Motley Crue is still unretired and, to prove it, will play Bay Area show - The Mercury News](https://news.google.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?oc=5) · The Mercury News
- 2026-02-17 [Two legendary Bay Area rock bands team up for major concert tour - Marin Independent Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxQNnZOSG9NcENLNHBQNHZVanJOWEZucUtoN2dxd0c1eVVjcERTVk5CNmRJUEVZcU10d1VodHNKdWpFTFZ6SktfRW91ZjJIazB6d2pjRndRTmRMMldYTEhFc2lUc2Jwbm96a2s1YnhxVGVGREUtQXg1X3RoSElwbVRFa2NIR1J5YTc2WGtYa1RIdlBTeTBm0gGaAUFVX3lxTE9wTXVEM3lpNHVCNEtOcWtnX0RadUxNdm5kemhMZXQ2WHh1Z3I5azNhV24zWXFpOVlKeGIydy1pZ3BMeXB4eGlXbWRKM25RazBWQWp1d1JHRzBUeG8teEdOUXQ4V3NSaGg4VFZkLWQ3akdJMVFzMUlqT0N2dHA0T1F6TDMxMFVSWWhRam1oOXNLQk9DMW9ibmxEaFE?oc=5) · Marin Independent Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63375 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/15.json (key "63375", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63375
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide